Florida Paycheck Calculator 2026: Take-Home Pay After Taxes
Florida Paycheck Calculator
Take-home pay with no state income tax
Estimate based on 2026 federal brackets, the standard deduction, Social Security (6.2% up to $184,500) and Medicare (1.45%). Federal tax is your yearly tax spread across paychecks, which can differ from W-4 withholding. Not tax advice.
Florida is one of the best states in the country for your paycheck, because it has no state income tax. Our free Florida paycheck calculator shows your take-home pay after federal income tax, Social Security, and Medicare, for both hourly and salaried workers, using 2026 tax rates.
How much tax is taken out of a Florida paycheck?
Because Florida does not tax wages, only federal taxes come out of your paycheck. There are three main deductions:
- Federal income tax: 10% to 37%, depending on your income and filing status. Your employer withholds it based on your Form W-4.
- Social Security tax: 6.2% of your wages, up to $184,500 of wages in 2026.
- Medicare tax: 1.45% of all wages, plus an extra 0.9% on wages above $200,000 ($250,000 for married couples filing jointly).
There is also no city or county income tax anywhere in Florida. Many workers also have voluntary deductions, such as 401(k) contributions and health insurance premiums. You can add these in the calculator for a more exact result.
How to use the Florida paycheck calculator
- Choose Hourly or Salary.
- Enter your hourly rate and hours per week, or your yearly salary.
- Pick how often you are paid: weekly, every two weeks, twice a month, or monthly.
- Select your filing status.
- Optional: add your 401(k) contribution percentage and your health insurance cost per paycheck.
- Your take-home pay and a chart of where every dollar goes update instantly as you type.
Example: take-home pay on $20 an hour in Florida
Say you are single, earn $20 an hour, work 40 hours a week, and are paid every two weeks, with no 401(k) or health deductions:
- Gross pay: $1,600.00 per paycheck ($41,600 a year)
- Federal income tax: about $108 per paycheck
- Social Security and Medicare: about $122 per paycheck
- Take-home pay: about $1,369 per paycheck ($35,606 a year)
On a $60,000 salary, a single filer in Florida takes home about $1,938 every two weeks, or around $50,390 a year. That is a total tax rate of about 16%.
Florida vs. states with income tax
Living in Florida can mean a noticeably bigger paycheck. On a $60,000 salary, a worker in a state with a flat 4% to 5% income tax could pay roughly $2,400 to $3,000 a year in state income tax. In Florida, that money stays in your pocket.
Keep in mind that Florida raises money in other ways. It has a 6% state sales tax plus local sales taxes in most counties, and home and car insurance costs can be higher than in many other states. A paycheck calculator shows your income side; your budget should still include these costs.
Florida minimum wage and overtime
Florida's minimum wage has been rising step by step under a 2020 voter-approved amendment and reached $15.00 per hour on September 30, 2026. Tipped employees may be paid a lower cash wage, as long as tips bring them up to the full minimum wage.
Florida follows the federal overtime rule: most hourly workers earn 1.5 times their regular rate for hours over 40 in a workweek. Florida does not have a daily overtime rule. To see how extra hours affect your paycheck, try our Overtime Pay Calculator.
Tips to increase your Florida take-home pay
- Check your W-4. If you get a big tax refund every year, you may be having too much federal tax withheld. Updating your W-4 can raise each paycheck.
- Use pre-tax benefits. 401(k) contributions and pre-tax health premiums lower your taxable income, so you pay less federal income tax.
- Use an HSA if you can. With a high-deductible health plan, Health Savings Account contributions through payroll can lower both income tax and FICA tax.
Frequently asked questions
Does Florida have state income tax?
No. Florida has no state income tax on wages, and no city or county income tax. Only federal income tax, Social Security and Medicare are taken out of a Florida paycheck.
How much is $20 an hour after taxes in Florida?
For a single filer working 40 hours a week, $20 an hour is about $41,600 a year before taxes. After federal income tax, Social Security and Medicare, take-home pay is about $35,600 a year, or roughly $1,369 every two weeks.
How much is $60,000 a year after taxes in Florida?
A single filer earning $60,000 in Florida takes home about $50,390 a year, or around $1,938 per bi-weekly paycheck, based on 2026 federal tax rates and no other deductions.
What percentage of my paycheck goes to taxes in Florida?
Most Florida workers pay about 12% to 22% of their gross pay in total taxes, depending on income and filing status. This includes federal income tax plus 7.65% for Social Security and Medicare.
What is the minimum wage in Florida?
Florida's minimum wage rose to $15.00 per hour on September 30, 2026, under a constitutional amendment approved by voters in 2020.
This calculator and article are for educational purposes only and are not tax advice. Tax rules can change. Please read our Disclaimer and check official sources or a tax professional for your situation.